McBank: Financial Reports & UBPR Data
BankRegReports is independent of McBank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at McBank. Its balance sheet stood at $467 million at June 30, 2026, up 7.6% from a year earlier; it is based in Goldthwaite, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.57% of loans from 0.14% a year earlier. It carries problem assets equal to 14.4% of the capital and reserves that would absorb them, 5.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 19.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Delinquency has appeared in its $38 million multifamily book: 4.40% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 30% of Tier 1 capital, down from 40% a year earlier. Its margin is thin by comparison: it keeps 3.37 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, McBank reported a CET1 capital ratio of 18.50%, a return on assets of 1.38%, a nonperforming-loan ratio of 2.57% and a Texas ratio of 14.42%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1017 Parker St, Goldthwaite, TX 76844
- County
- Mills
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 24, 1908
- Former names
- Mills County State Bank (1952-2019)
- Offices
- 4 domestic
- Employees (FTE)
- 84
- Domestic deposits
- $429.6M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $88K
- Average total assets
- $477.4M
- Average total loans
- $201.2M
- Average interest-bearing deposits
- $297.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1939
- FDIC Cert
- 15669
- Fed RSSD
- 522753
- SEC CIK
- 1815556 → filed by GOLDTHWAITE BANCSHARES, INC.
- Website
- www.mc.bank →
- Parent Holding Company
- GOLDTHWAITE BANCSHARES, INC. (RSSD 1103999)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full McBank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock McBank, freeMcBank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.50% | 1.38% | 2.57% | 14.42% | 3.37% |
| Q1 2026 | 18.62% | 1.24% | 1.58% | 9.14% | 3.37% |
| Q4 2025 | 17.86% | 1.30% | 1.88% | 11.22% | 3.52% |
| Q3 2025 | 17.52% | 1.21% | 0.14% | 0.87% | 3.44% |
| Q2 2025 | 17.06% | 1.70% | 0.14% | 0.92% | 3.52% |
| Q1 2025 | 19.71% | 0.88% | 0.16% | 1.16% | 3.49% |
| Q4 2024 | 19.69% | 1.19% | 0.25% | 1.44% | 3.34% |
| Q3 2024 | 19.57% | 0.95% | 0.22% | 1.08% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| McBank (main office) | Goldthwaite , TX | 76844 | $206.3M |
| Early Branch | Early , TX | 76802 | $94.3M |
| Mills County State Bank Hico Branch | Hico , TX | 76457 | $68.9M |
| Mills County State Bank Branch | Hamilton , TX | 76531 | $60.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 14, 2013 | Structure Change | Acquired The First National Bank of Hico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for McBank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 202 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows McBank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare McBank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about McBank
What are McBank's total assets?
As of the Q2 2026 filing, McBank reported total assets of $467.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is McBank headquartered?
McBank is headquartered in Goldthwaite, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was McBank founded?
McBank was established in 1908, per the FDIC institution directory.
Is McBank FDIC-insured?
Yes. McBank is an FDIC-insured commercial bank (FDIC Certificate #15669). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates McBank?
McBank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is McBank's CET1 capital ratio?
McBank reported a Common Equity Tier 1 (CET1) capital ratio of 18.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does McBank operate?
McBank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is McBank's Texas Ratio?
McBank's Texas Ratio is 14.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was McBank previously called?
The charter now named McBank has also operated as Mills County State Bank (1952-2019), per FDIC structure-change records.
Go deeper on McBank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock McBank, freeFree account